Social Security Disability Insurance (SSDI): 5 Hard Truths You Need to Hear About the Application and Appeals Process

Social Security Disability Insurance (SSDI) is meant to provide financial support to those who can no longer work due to a qualifying disability—but for many, securing these benefits is far from easy.

While SSDI serves as a critical lifeline for millions of Americans, the reality is that the application process is notoriously complex, slow-moving, and often discouraging. It requires extensive medical documentation, strict adherence to Social Security’s guidelines, and, in many cases, legal expertise to secure approval.

At Morgan & Morgan, we know how overwhelming this journey can be—especially when you’re already dealing with serious health challenges. That’s why we’re sharing five hard truths everyone should know before starting an SSDI claim. If these insights make you realize you need legal guidance, we’re here to help. Contact us anytime for a free case evaluation to learn more.

5 Things You Need to Know About SSDI

1. Most People Are Denied on Their First Try

After enduring a lengthy and frustrating application process, most applicants are hit with the same disappointing news: denial. In fact, statistics show that roughly 65% of first-time SSDI applicants are rejected.

2. Strict Income Limits Could Disqualify You

It’s possible to have a disability but still earn “too much” to qualify for SSDI. The Social Security Administration (SSA) sets an income cap known as Substantial Gainful Activity (SGA)—if you earn more than $1,220 per month (or $2,040 if you are blind), you may be denied benefits.

And it’s not just traditional employment that counts. Volunteering or even certain illegal activities could be considered work under SSA’s rules, impacting your eligibility.

Many applicants find themselves in financial limbo—unable to work but making just enough to be disqualified, forcing them into a difficult waiting period while they pursue benefits.

3. You MUST Have All the Proper Paperwork

One of the biggest reasons SSDI applications get denied? Incomplete or incorrect paperwork.

Applicants often don’t realize they need detailed medical evidence from their primary care doctor, specialists, treatment history, test results, and hospital records to prove their condition. Without it, their claim is more likely to be rejected.

4. The Appeals Process Can Take Years

Because most applications are denied, many claimants are forced into a long and exhausting appeals process.

• Reconsideration (First Appeal Stage): Takes 90–120 days
• Hearing Request (If Denied Again): Can take up to two years due to SSA’s massive backlog
• Final Decision After Hearing: Usually takes 8 weeks or more, but sometimes several months

According to a report by the Government Accountability Office (GAO), the median wait time for a decision on claims filed in 2010 was 561 days (approximately 1.5 years). This increased to 839 days (approximately 2.3 years) for claims filed in 2015.

Pro Tip: If you’re denied, file your appeal as soon as possible. Delays could add months—or even years—to an already long process.

5. The Good News: You Don’t Have to Go Through This Alone

The SSDI application and appeals process can feel like an uphill battle, but the good news is you don’t have to face it alone. Morgan & Morgan, America’s largest personal injury law firm, can help you file your claim correctly and on time, submit strong appeals, and fight for the benefits you need and deserve.

Our experienced disability attorneys can:

• Ensure your application is complete and accurate
• Help gather the right medical evidence
• Represent you in hearings and fight for the benefits you deserve

And here’s the best part: You don’t pay any upfront legal fees—you only pay if your attorney wins your case. That’s right; the Fee Is Free®.

If you’re feeling lost in the SSDI maze, let us help. Morgan & Morgan has decades of experience winning tough disability cases. Contact us today for a free case evaluation and let’s get to work.